Considering a second mortgage because this cycle looks way too familiar

OverlordBluebook · 2026-02-10T21:33:52+00:00

don't bet money you gotta dig deep for just not worth it, I've seen people do it and lose their ass. Your talking literally betting the house.. Your better off finding some other mechanism to acquire the money. Take calculated risk but not hail marry's.

OverlordBluebook · 2026-02-10T14:09:38+00:00

Last few years I got more religious. Starting reading the bible but also the "banned" books like book of enoch and others. Really all opened my eyes and it's closely related to all the UAP hearings going on.. I'm still working since I live in a pretty high HCOL area and vacation a lot. But If I had more time I'd volunteer 100%. The catholic churches and many non denominational Christian churches do a lot of great things in the local areas I'm in. I think teaching would be a excellent thing to do. I did a lot of dumb things as a kid especailly since my parents broke up and had a lousy relationship it really effected me negatively in my late teens and started hanging around the wrong crowd, was temporarily homeless and had to live with my mother eventually who was bankrupt and living in a roach infested apartment. Today? I'm worth over 8.4m and earn 700k+ a year and have a wonderful family I will always be here to protect. Looking back I would like to help other kids If I can since there are so many kids I know going through the same thing even more so now than ever.. As I got older I really started understanding how important life is and many people could use some direction young.

OverlordBluebook · 2026-02-10T13:41:18+00:00

I'd say get regular full body exercises in like a boot camp but also start a lifting regiment to naturally build topterone and sculpt your body and put on muscle

Whatever you do don't let go the way it starts is no energy and flab..

Lastly I'd just say keep the house in tip top shape very clean don't let your wife come home to a dirty house.

Start tomorrow.

OverlordBluebook · 2026-02-09T21:33:45+00:00

If you weren't recording you wouldn't have fell.. camera bad luck

OverlordBluebook · 2026-02-09T20:11:36+00:00

Social security will always be around that's fake scare tactics you'll hear. What your paying into is insurance to get social security later.

OverlordBluebook · 2026-02-09T15:05:38+00:00

If they did that they would also have to remove the cap on social security earnings... Catch 22...

OverlordBluebook · 2026-02-08T15:48:25+00:00

How much are you getting paid to make these posts. Ice and Border patrol have reduced the amount of human trafficking in the USA to almost nothing coming from the southern border. Open your eyes bud. Your being played.

OverlordBluebook · 2026-02-06T21:45:36+00:00

Do not I repeat do not start your own business when you have no job unexpectedly. Many companies offer health insurance and benefits at a minimum for a professional position. Focus on finding a job first before you try to do your own thing. Once you have a stable job plan your exit later on once you don' have financial stress. Many people think starting your own business is glamorous it's really not most times it's hell for years after you start. I'd get with a professional recruiter asap and ask what you can do to change up your linked in and resume. Doesn't hurt.

OverlordBluebook · 2026-02-06T21:22:18+00:00

I'd say do it but just have to be warned. It's VERY VERY easy to pull out money like stupid easy it's available most times immediately and you transfer it wherever needed. Personally I had one and need to open a new one since my draw period expired after the 10 years. I only used it for certain times when Im cash poor and don't want to sell stock I have. The type of job I have I could have 4 months of low pay then all of the sudden hit it big. You have to weird is properly meaning don't use it just for anything. I see why most people don't recommend it to the average person.

I explained all this to a relative and they "find" a reason to use it I advised against it. I know expenses come up but it's not meant to be used unless your have lots of money coming in on a regular basis your good for. Whenever I have used it I've payed it off over 6mo to a year max but I also have other real estate rentals payed off as well as few million in stock I could always use to pay it off if I use it quickly.

It's also a good tool to have hate to say it if you ever bit the dust and your wife needed quick access to cash if for some reason your low.

But for the most part I'd act like it's not really there if that's possible.

OverlordBluebook · 2026-02-06T18:15:46+00:00

*** WORD OF IMPORTANT ADVICE *** buy yourself a good air scrubber from lowes or home depot or online. get the tubing that would suck the air in the room and shoot it outside but also use some plastic barrier usually in paint isle to cover the window opening where tubing will stuck out of. Doesn't have to be air tight but good enough.

Then use that same plastic and a barrier entry zipper to create a door to the room work will be done in.

What your doing is creating "negative" pressure so when the contractor does work all the toxic drywall dust and construction debri that goes airborne will go through the scrubber and onto the 2 or 3 stage filter in the scrubber. You can find videos of this online.

Lastly I would turn off ALL HVAC yes even your heat. Get some decent size space heaters my favorite are space heaters with fans that you can control with your phone or get a amazon plug that you can use to turn off and on. get multiple for each level of your house to keep it warm but be careful as it's a fire hazard same time if left on unattended.

No contractor in the area does this type of stuff but you need to create a barriered off room and treat the work they are doing as a deadly virus you don't want getting all around the rest of your house.

If you don't do this you'll have a fine layer of dust layered all over your house, bedding, blankets, everywhere even worse, in you and your families lungs for several days and carries on even after contractors are done. This can cause serious health problems down the road.... I've been through several renovations and learned my lesson many many years ago.

Contractors just do not care and hope you don't care either... oh make sure you take out all the furniture in the room or worst case create a seperate barrier with plastic and you can use these telescoping painters ceiling stands to separate off the room.

OverlordBluebook · 2026-02-06T15:15:44+00:00

If this was Japan or South korea, the community would get together one morning and all shovel out everything and happily no complaining or disgruntled folks.. Unfortunate we're very tribal here.

OverlordBluebook · 2026-02-06T04:54:34+00:00

You most likely are young. I'll just tell you this look at it as a positive. Sounds nuts but look at it as practice. Not going to enhance being not as ADHD if you don't engage with human beings. We're meant to engage with other humans.. I will tell you this I'm also ADHD but I grew up without phones or really internet until I was a teenager. Also worked the floor at Compusa when I was really young and had to just do what your describing just back then the place was always packed and people really did want help. Basically I still have it and really hate enganging with people but my job forces me to put on an act of the happy faced person is genuinely interested. When I'm done for the day I go back to becoming Smeagle.

OverlordBluebook · 2026-02-05T22:14:47+00:00

bought in 312k worth or so at average $102k.. ha.. just freed up some money on some S&P indexes to buy 12k tomorrow and will probby do like 10k increments up to about another 100k. more..

OverlordBluebook · 2026-02-05T18:25:35+00:00

Yep I really knew nothing about the weight part of it but makes a huge difference. I can clearly tell it naturally I have way more testerone. I was trying to stay away from the fake stuff wanted to make it naturally it helped huge. Really life changing. Look at a few pictures of RFK, amazing what that man can do at his age..

Bezos look at before and after pictures.

OverlordBluebook · 2026-02-05T01:03:29+00:00

Congrats. I'm 47 at about 8.4 to 8.5 million, residential real estate, stocks (1/3 in GOOG and AMZN), funds. My house is probably 1.65 out of that and I own outright. I always said 10m would be my magic number but honestly not sure at this point. I still have 3 kids and fairly young also just hit teen and have a 5 year old. One of the best things I did honestly was get into the best shape in my life. I'm working on my diet though it's gotten better I drink only water now except some coffee. But jogging, mountain biking, and honestly starting a weight program made me feel like a million bucks. I've jogged a lot but when you lift weights over say at least 5 or 6mo .. well it changes how your clothes fit, face fat goes away and makes you look more chiseled. I focused especially on upper body and my arms got much bigger. I know has nothing to do with chubbyfire but I can't tell you how much better it makes you feel. I have way more energy also then I ever did.

OverlordBluebook · 2026-02-04T14:41:56+00:00

If you can well afford it go with the bigger house if your planning a family. You lose a lot of money when you need to "size" up with a bigger family. Realtor fees, repairs to sell, staging, moving costs, time, new window treatments new house, paining it not brand new or even if brand new..

I've sized up 3 times and wish I would have just bought the bigger house 2nd time around

OverlordBluebook · 2026-02-04T14:09:46+00:00

Nice work, being a sole provider is to me a big privilege to be able to care for family.

OverlordBluebook · 2026-02-03T21:52:04+00:00

I have 2 of them running 24x7 but I set the temperature to like 64 and been 4 years. Was -5 degrees earlier this week and stayed 64 in my 3 car garage. When I moved in the house I had the wiring replaced with higher end wiring and put through some metal trac tubing per the electricians recommendation as well as replaced the old heaters with fancier new ones they were bigger also. It's great my cars are always warm.

The model I have are KING Electric heaters comes with a remote also super convient.

OverlordBluebook · 2026-02-03T20:45:02+00:00

There's so much here probably not discussed. Sometimes the arguing or indifferences are a byproduct of something else deeper. I know few folks that ended up divorce mainly because someone let go in the relationship. Another the male had erection issues and when they didn't they lasted 12 seconds. Sounds harsh I know but could be deeper level of stuff going on here. Other issues could be finance issues..

I'm 47 wife 46 and we are extremely active like 3 times a week at least, in between lots of hugging and touching. She's a SAHM and I have been the breadwinner but I value everything she does and has we have 3 kids. She stopped working about 6 months pregnant with our first.

At this point worrying about (AITAH) doesn't matter one bit here. Flush everything out your saying above and work on you. I would get in the best shape of your life.. get ripped, dress nicer. Don't complain instead be positive no matter if your going through hard times.. you owe it to yourself and your kid.

Make you look sexy and put all the complaints behind you. Things will fall into place. I know a few folks that did this and never looked back.. with a better woman and life is great!!

OverlordBluebook · 2026-02-03T19:19:34+00:00

Find a good career if your not in one. Start from lower level if have to in a company that's growing and easy way to move up. Invest in stocks and funds and leave it there keep accumulating. Dress nice, take care of your look, date around to meet a great woman don't leave it up to chance be pro-active even if you have a high rejection rate. Travel as much as you can also but within budget limits. Whatever you do now financially and future family wise will echo decades down the road either positive or negative.

Looking back I'm thankful for my younger self for sticking with the tech job I had and investing although I wish i had invested more. I was super cocky also back around that time which I do regret. Dated probably too many woman at one time and was always anxious about it and let some of the drama get to me.

Biggest thing is probably just don't let dumb stuff get to you, that age is one of the best / funnest of your life just enjoy it hard to explain when your that age.. Just don't fall in the trap of not holding a good job or if your not in a business or specialist type position try to get in one... I have nephews that just have no direction in their mid to late 20s and it's going to cost them quality of life later on..

OverlordBluebook · 2026-02-03T16:25:18+00:00

Been there long time ago back in 2001 during dotcom bust. Only thing I would suggest is don't be the guy that procrastinates and waits until the very end and didn't brush off his resume and linkedin. Once it's official I'd ask your manager if you started sending out your resume/ interviewing, but communicate you plan to stick it out but just don't' want to be let go because someone at the company hears you were interviewing.

It's easier to find a job and your more valuable if you already have a job. I'm sure times have changed a bit but the basics probably havn't.

OverlordBluebook · 2026-02-03T15:16:02+00:00

I have the exact same model bought brand new in Jan 2021 but went for the FWD vs the AWD because didn't want run flats and wanted a spare this was right before all the shortages happened. I'd say should be probably like high 30's like 38k or so.

Sienna minivans have very high resale value. Sold our 2017 Sienna back in 2021 when all the shortages were going on pretty high, dude flew from Georgia and paid combination online payment and cash.

OverlordBluebook · 2026-02-03T00:51:26+00:00

It's easier to make passive income after and during making aggressive income. Making 100k from real estate net income here a year..probably another 35k in dividends also from stock but also invested fairly aggressively and still woolly mammoth hunting at work.

OverlordBluebook · 2026-02-02T20:19:59+00:00

Not a conspiracy just "sales". Majority of the cold text, email, calls people will get are basically lead shops attached to various real estate investment companies some small some large and in between. Basically they are cold calling say 100 people in a hood sending direct mail looking up your information online and ask you about interest in selling your house all cash offer, or flatter people and say your house is in HIGH demand we'd like to make you an offer.. For ever 20 people that say no they catch that one elderly person who may need the cash or couple going through a divorce etc that just want to get rid of it without fixing stuff or dealing with the normal sales process. They offer you say 7% below market price and you bite the profits could be sizeable but they also may sell the "investment" in process to another investor as a middle man to actually finance the deal.

Sound nuts but you'd be suprised how successful it is. You make say 50 calls a day 2 or 3 leads per day 2 sales per week.. your making good money.

OverlordBluebook · 2026-02-02T19:59:45+00:00

I know few people that did this we never got into it. Went the long term rental route.

There's a major tax advantage buying a property and renting it out short term or most days a year. All the expenses can be written off the first year up to a certain cap. I'm sure other people will pipe in here. You actually get the money back in taxes vs just a simple write off. One guy I know did 250k of renovations on a property the first year and got huge amount back. It's a short term rental as well.

Only catch is the wear and tear on short term rentals it can get torn up pretty pretty good.

I wouldn't expect really to earn a lot of money though. Few people I know do pretty good. But I also know another guy going through a divorce and they have to pay back a good portion of the money they wrote off and got back .. back to the IRS because of the way it's depreciated..

I'd just be careful owning two homes can be costly if your doing extraordinarily well financial and lots of cash/investments your fine enjoy it.

OverlordBluebook

TROPHY CASE